Personal Loans · Gardena, California
2 credit unions in Gardena report personal loan rates to the NCUA. Rates range from 9.49% to 15.50%.
Updated Q1 2026 · NCUA Call Report data
2
CUs Reporting Rates
9.49%
Lowest Rate
12.50%
City Average Rate
2 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | NORTHROP GRUMMAN ★ 3.5 · 59 reviews | 9.49% | 14.49% |
| 2 | NIKKEI ★ 4.7 · 62 reviews | 15.50% | 15.00% |
If you have high-rate credit card balances, a personal loan from a Gardena credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.